A licensed Colorado advisor for Connect for Health Colorado, Kaiser, Anthem BCBS, and ski-industry plans — written for people who live where the air gets thin.
From the desk of the founding broker.
Health insurance in Colorado isn't national health insurance with a mountain on the brochure. Connect for Health Colorado runs its own marketplace. Health First Colorado decides Medicaid on its own terms. Kaiser owns the Front Range; Anthem owns the Western Slope. A ski patroller in Summit County and a rancher in Montrose pay different premiums for different reasons, and a Boulder freelancer can leave a tax credit on the table just by guessing wrong on Schedule C income.
This site is a field guide. We compare plans for free, we don't sell what we wouldn't put our own family on, and we will tell you, plainly, when Medicaid is the better answer. No call-center scripts, no robo-dialers — a licensed Colorado advisor reads every quote that comes through.
— The Editors, SUMMIT/HEALTH
A short guide to the rest of the page — read it like you would a magazine.
Each plan written up like a magazine feature — what it is, who it's for, and what's actually inside.
Access comprehensive medical coverage through top national carriers. We compare hundreds of plans so you get the best coverage — ACA-compliant, PPO, HMO, and HSA-eligible.
Protect your smile and your wallet. Our dental plans cover everything from routine cleanings to major procedures, with no waiting periods on most preventive care.
Clear vision shouldn't be a luxury. Our vision plans make eye care accessible with coverage for annual exams, prescription glasses, contacts, and corrective lens discounts.
Life happens when you least expect it. Supplemental plans fill the gaps your primary health insurance leaves behind — paying cash directly to you when illness or injury strikes.
Protect everyone under your roof with a single comprehensive plan. Our family coverage includes parents, children, and dependents with pediatric care, maternity, and family deductibles.
Attract top talent and retain your team with competitive group benefits. We specialize in small business packages that fit 2-to-200-employee companies — fully customized and easy to administer.
No logo soup. The carriers we quote across Colorado, what they sell, and where they actually deliver care.
| Nº | Carrier |
|---|---|
| 01 | Kaiser Permanente Colorado |
| 02 | Anthem Blue Cross Blue Shield CO |
| 03 | Cigna Healthcare of Colorado |
| 04 | Rocky Mountain Health Plans |
| 05 | Friday Health Plans (CO) |
| 06 | Denver Health Medical Plan |
I work ski patrol four months a year and run trail crews the rest. My old plan dropped me every spring. Summit found a Connect for Health CO plan that stays — and saved me $217 a month while it was at it.
We're a five-person startup in RiNo. Group benefits felt impossible until we stopped getting quotes from call centers and started talking to an actual Colorado broker. Took a Tuesday afternoon.
We ranch in Montrose and Kaiser doesn't exist out here. Anthem with Rocky Mountain as a backup network was the right answer — nobody else even asked which hospital we drive to in an emergency.
Six kinds of Coloradans we quote every week. If you don't see yourself here, we still want the call.
Patrol, lifties, instructors — Summit, Eagle, Pitkin, San Miguel.
Western Slope, San Luis Valley, Eastern Plains — Anthem + Rocky Mountain combos.
Denver, Boulder, Fort Collins — subsidy-aware Schedule C planning.
Child-only plans, CHP+, pediatric dental, maternity coverage.
Ages 55–64 bridging to Medicare. Coverage that doesn't gap on January 1.
Group health, dental, vision, life and disability — fully administered.
What four years of writing Colorado coverage looks like, audited and rounded down.
Who you cover, your ZIP, your state. A licensed Colorado advisor reads every one and replies with real plan options — usually inside 48 hours.
We'll tailor your options based on who needs coverage.
What Coloradans actually ask — from Connect for Health CO to ski-season SEPs and altitude care.
Connect for Health Colorado is Colorado's state-run health insurance marketplace — one of the best-administered in the country. Coloradans do NOT use HealthCare.gov; all individual and family ACA plans, premium tax credits, and Cost-Sharing Reductions flow through Connect for Health Colorado. Your Summit Health Colorado advisor is a certified broker on the CO marketplace and can walk you through every plan, network, and subsidy you qualify for.
Health First Colorado covers adults under 138% of the Federal Poverty Level and has been fully expanded since 2014. A single Coloradan earning under roughly $20,800/year typically qualifies, as does a family of four under about $42,800. Coverage is comprehensive — primary care, hospital, mental health, prescriptions, dental, and vision are all included. We screen every quote request for Health First Colorado eligibility before showing private plan options.
Kaiser Permanente Colorado is an integrated system — your insurance, doctors, and hospitals are all under one roof, primarily across Denver metro, Boulder, and the northern Front Range. Anthem BCBS Colorado is a traditional PPO/HMO carrier with the broadest statewide network, including the Western Slope and rural areas Kaiser doesn't reach. Kaiser tends to win on coordinated care and digital experience; Anthem wins on geography and provider choice. Your advisor will match you based on your ZIP and preferred providers.
Ski resort workers in Summit, Eagle, Pitkin, and San Miguel counties almost always qualify for a Special Enrollment Period when their seasonal job ends — that's 60 days to enroll in Connect for Health CO. Many also qualify for significant subsidies during the off-season because of the income gap. We help ski patrol, lifties, rental shop staff, and ski instructors structure year-round coverage that survives the seasonal income swing.
Self-employed Boulder residents typically choose between a Connect for Health Colorado individual plan (often subsidized based on Schedule C income) and a Solo 401(k)/HRA-paired plan if you have a spouse on payroll. Kaiser, Cigna, and Anthem all have strong Boulder/Front Range networks. We help freelancers and consultants estimate income accurately for marketplace subsidies — under-estimating means a tax bill in April, over-estimating means leaving money on the table.
Colorado Open Enrollment for 2026 coverage runs November 1, 2025 through January 15, 2026 — one of the longer windows in the country. Outside Open Enrollment, you can enroll any time with a Special Enrollment Period: job loss, marriage, divorce, birth, moving into Colorado from out of state, moving between Colorado counties, losing Health First Colorado, or aging off a parent's plan at 26. Health First Colorado itself has no enrollment window — you can apply year-round.
All ACA-compliant Colorado plans cover acute altitude sickness, frostbite, and ski/outdoor injuries as standard medical care — there's no separate "altitude rider" because it's just emergency and urgent care. What varies is the urgent-care and ER network in mountain towns: Vail Health, St. Anthony Summit, Aspen Valley Hospital, and others have different in-network status depending on your carrier. We map your typical ski/hike territory to plans that won't surprise you with an out-of-network ER bill.